Althea Ceasor is a financial advisor with Merrill in Fort Lauderdale, FL, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously spent nine years with ADT Security Services. Outside of her advisory role, Ceasor serves as a board member for the State University of New York at Brockport, participates on a committee for the Community Foundation of Palm Beach and Martin Counties, and is a board member of the BRITE Initiative, which supports education and social services for underprivileged Haitian children. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies tailored for individuals, high-net-worth clients, and various institutional investors.

Lee Rosen is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in serving individual, family, and corporate clients. He brings over four decades of experience in wealth management, having launched his career in 1980 after working as an accountant. Lee focuses on crafting personalized financial strategies that address investment, liability, and legacy needs for his clients and their families. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, retirement income, and tax minimization, among others. Lee holds a Bachelor of Science degree in Accounting from Brooklyn College and an MBA from Fordham University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). His professional recognition includes being named to Barron's "Top 1,000 Financial Advisors State by State Ranking" in 2009 and Forbes' "Best-In-State Wealth Advisors" list in 2022. Based on his personal interests, Lee enjoys playing golf, raising funds for various charities, and spending quality time with his three grown children—Adam Rosen, a product manager for websites and apps; Dr. Chelsey Rosen, a child psychologist; and Elana Gofman, a financial advisor and Lee's partner.

Thomas Sullivan is a financial advisor at Raymond James & Associates with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James & Associates since 2016. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and charitable organizations, offering a range of financial planning and consulting services that emphasize tailored, non-discretionary advice supported by proprietary research and multiple portfolio management strategies.

Michael Weissman is a financial advisor with RBC Capital Markets in Boca Raton, FL. He holds Series 63 and Series 65 licenses and has five years of industry experience. Before joining RBC Capital Markets in 2024, he worked at Wells Fargo Securities and Wells Fargo Advisors, and also has experience in academic roles at the University of Florida. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment resources tailored to clients’ risk profiles.

Vijay Khetarpal is a financial advisor at LPL Financial with 41 years of industry experience. He holds the CFP® and ChFC® designations and has previously worked at Royal Alliance Associates, Inc., Signator Investors, Inc., and John Hancock Life Insurance Co. He is also an author of the book *Optimized Outcomes*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Robbye Soler is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith, UBS Financial Services, and Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Peter Mirabelli is a financial advisor at Wells Fargo Clearing with 50 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo firms since 2009. Outside of finance, he owns and operates Peter Mirabelli Racing Stable, a horse racing and breeding business. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Kim Love is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. Her career includes roles at Cetera Wealth Services, LLC and Summit Financial Group Inc. Outside of advising, she is involved in real estate activities, including acting as an agent for Cummings & Cohen Real Estate Inc. and owning Pure Profit's LLC. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base ranging from individuals to institutional accounts. The firm offers a multi-manager platform that supports discretionary and non-discretionary portfolio management through a variety of program structures and affiliated resources.

Nancy Hite is a financial advisor with Osaic Wealth, Inc. in Boca Raton, FL, holding CFP® and ChFC® designations and over 33 years of industry experience. She has been with Osaic Wealth since 2018 and previously worked at Signator Investors, Inc. from 2016 to 2018. In addition to her advisory role, she is the author of two books, "21st Century Wealth Beyond Taxes" and "The Retirement Mirage... Time to Think Differently." Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs a range of asset-allocation tools and investment options to construct portfolios managed on discretionary or non-discretionary bases.

Matthew Flynt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s process is IPS-driven and grounded in modern portfolio theory, incorporating a broader range of financial products than typical institutional advisers.

Carole Marko is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined the firm in 2000 and provides clients with goals-based wealth management strategies tailored to their personal circumstances. Carole assists clients in identifying and prioritizing financial goals such as investment management, education funding, retirement income planning, tax minimization strategies, asset preservation, estate planning, and wealth transfer. Carole holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., and the Chartered Retirement Planning Counselor™ designation awarded by The College for Financial Planning Institutes Corp. She is also a qualified Portfolio Advisor and graduated from Florida State University in 1983 with a Bachelor's of Science degree in Accounting. She began her career in financial services as a Certified Public Accountant with Deloitte and Touché and has experience in the private sector with the Arvida Company. Although she retains her CPA designation, she does not provide tax advice in her role as a Wealth Management Advisor. Raised in Boca Raton, Florida, Carole continues to live there with her husband, Paul. They have been actively involved in various civic and philanthropic causes as well as their parish, Saint Joan of Arc Catholic Church.

William Hoelzel IV is a financial advisor with RBC Capital Markets in Boca Raton, FL, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining discretionary and non-discretionary portfolio management with financial planning, tailored to clients' risk profiles and implemented through a mix of in-house and third-party investment managers.

Michael Kravitz is a financial advisor with RBC Capital Markets and holds a Series 63 designation. He has 35 years of industry experience, including roles at Truist Advisory Services and BB&T Securities. Outside of his advisory work, he is the managing member of Kravitz Enterprises LLC, a private investment account. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored portfolio management, financial planning, and a broad selection of investment options.

Carrie Cannon is a financial advisor at UBS Financial Services with eight years of industry experience. She has held her current role at UBS since 2017 and previously spent two years focused on homemaking. Cannon holds a Series 66 designation and is based in Boca Raton, Florida. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Chase Chytraus is a CFP® with two years of industry experience, currently affiliated with Charles Schwab in Boca Raton, FL. His work history includes roles at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as prior experience in hospitality and public service. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts through affiliated investment management. The firm’s integrated wrap fee programs provide advisory, brokerage, custody, and cash-sweep services with a multi-asset model portfolio approach.

Roy Jeffers is a financial advisor with Primerica Advisors in Coral Springs, FL. He holds Series 65 and Series 63 licenses and has 26 years of industry experience. He has worked with PFS Investments Inc and Primerica Financial Services since 1999 and operates Jeffers Incorporated, which has been in business since 1990. Outside of advisory work, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm uses model-delivery strategies managed by third parties and includes discretionary separately managed accounts, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

David Bass is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 30 years of experience in the financial services industry. He leads his team in developing lifelong relationships with clients and helping them pursue their unique financial goals. David provides expertise in areas including corporate benefits, executive compensation, divorce transition planning, family wealth management strategies, legacy planning, and investment consulting for defined contribution plans. He holds a Bachelor's Degree from Texas State University and maintains several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). David’s interest in general aviation has contributed to his specialized knowledge in wealth management planning for professional pilots and aviation-related business owners. Beyond his professional role, David participates in community activities such as EAA Young Eagles Discovery Flights and Young Guns Sporting Clay Instruction. He also enjoys boating, hiking, hunting, and woodworking in his personal time.

Anthony Fantigrossi is a Financial Advisor at Merrill Lynch Wealth Management with over nine years of experience in the finance industry. Prior to joining Merrill Lynch, he worked at UBS and Morgan Stanley, building expertise in wealth management across a diverse client base including retirees, small business owners, professionals, and high net worth families. Anthony holds several FINRA registrations including Series 7, 66, and 3, as well as the Accredited Portfolio Management Advisor (APMA) and Chartered Retirement Planning Counselor (CRPC) designations. His professional focus includes family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income planning. Anthony is committed to connecting all aspects of his clients’ financial lives through disciplined planning, risk management, and a deep understanding of market dynamics. He works closely with individuals, families, and businesses to develop personalized financial plans aligned with their goals. Anthony earned a Bachelor's Degree from Saint John Fisher College. Outside of his professional role, he enjoys basketball, cooking, football, golfing, music, spending time with his family, and traveling.

Vanessa Miranda is a financial advisor at Merrill with 20 years at the firm and 3 years of industry experience. She holds a Series 66 designation. Outside of her advisory role, she owns an online business specializing in paper party goods and stationery. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Gregory Roth is a Certified Financial Planner™ with 38 years of industry experience. He is currently with Morgan Stanley in Fort Lauderdale, where he has worked since 2022. Prior to that, he spent eight years at UBS Financial Services. Outside of his advisory role, he serves as a trustee in a trust-related capacity. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured planning tools and modeling techniques to assist clients in their financial decision-making.